Anywhere between 200,000 - 500,000 people in Canada are currently living without health insurance.
If this describes you, then you've likely learned just how important it is to have health insurance. Perhaps you are currently insured but are not satisfied with your current healthcare provider.
No matter the case, you're ready to make a change. You want to understand more specifically about the Flexcare by Manulife ComboPlus enhanced plan.
This post is here to break it all down for you. We'll tell you what is and isn't covered, and the amount of coverage that you can expect to get with this policy.
Read on to see if it's the right policy for you.
What is the first thing that you want to look at in this Manulife Flexcare plan? What you can expect when it comes to your prescription drug coverage. You'll be able to get coverage for most name brand and generic prescription drugs.
That coverage also includes birth control, as well as drugs that are designed to help with fertility. As long as the customary and dispensing fees are seen to be reasonable, you can also expect to get full coverage for them.
In fact, about 90% of the first $2,222 you spend on prescription drugs will be able to be covered. You'll get 100% coverage for the next $8,000. In a nutshell, this means that you will get about $10,000 in total coverage for your prescriptions per person, within a year of your anniversary of signing up for Flexcare by Manulife.
However, it's important that you understand that drugs to help you to stop smoking, drugs that don't require a prescription, and over-the-counter drugs are not covered by this plan.
It also will not be able to cover drugs that help with erectile dysfunction.
The next thing we need to do is to make sure you understand what this popular Canada health insurance plan does and does not cover.
It's time to examine the way that the ComboPlus Enhanced plan covers you when it comes to dental insurance. You'll receive dental coverage when it comes to your cleanings, your fillings, and your scalings. You will also be able to get insurance coverage for polishing and certain types of extractions, as well as for more standard dental examinations.
You'll get a total of $920 payable to the person who is covered for the anniversary year of the plan. You'll also get recall visits once each six months.
Be aware that orthodontics works a little differently. This includes any bridges or crowns that you need to have put in, as well as any dentures you need to have made. You won't be able to receive those benefits until after Year Three of your coverage.
For a more detailed breakdown of the percentages, fees, and more, we suggest reading this chart on the Manulife website.
Now, it's time to fill you in on what you can expect when it comes to your vision plan with Flexcare ComboPlus. As long as you visit eye care specialists that are within a specific network, you'll be able to enjoy a wide range of benefits and even discounts.
This means you may even be able to save as much as 20% on the purchase of glasses, lenses, and even contact lenses.
You'll get a $250 maximum benefit each year, per person, for two consecutive years of your coverage. This can help you with the costs of laser eye surgery, prescription eyeglass lenses, and even the frames.
There is also a $50 maximum for the fees associated with going to see an optometrist. This maximum is per person, for two consecutive years on this plan.
Of course, when you're looking for health insurance in Canada, we know you want coverage for more than just your vision problems and dental care alone.
There are other, more serious, health issues, that you may need to be covered for. Let's take a look at a few of the additional things you will be covered for under this plan.
In terms of survivor benefits, you'll get coverage for a year after the date of the death of the policyholder. When it comes to accidental death, you'll get up to $25,000 if they are under the age of 65, and $10,000 if they are over the age of 65.
When it comes to ambulance transportation, you can receive unlimited transportation to the hospital. You'll be covered for about $4,000 of air transportation for one year.
In terms of psychologists, you'll be covered up to $80 for the first visit, and about $65 for each visit after that. You'll be able to make 15 covered visits per person, per anniversary year.
You'll also be able to get a maximum of $3,500 per person for homecare and nursing. The same goes for medical equipment and for prosthetic appliances.
Are you interested in learning more about other Flexcare by Manulife insurance policies? Do you currently hold one of those policies, and find that you're struggling to understand your coverage?
We can help you with that.
We invite you to spend some time on our website to learn more about the different types of health insurance in Canada that are available to you.
We'll make sure that you're able to get the lowest insurance rate that you need -- without having to sacrifice the quality of care you'll get.